Best Visa credit cards in Canada
Visa credit cards from Canadian issuers, ranked by what each one is worth for your spending, after fees.
Card details updated November 10, 2026 How we rank
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Not sure which kind of card you need? Help me choose
80 Visa credit cards, ranked for you
Ranked by value in year one at $2,500 a month, after fees. How we rank
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Ranked 61. RBC U.S. Dollar Visa Gold
RBC · Visa Expert Score 7.0 out of 10. Good
Earned in year one 30,000 pointsThen each year 30,000 points1 point per $1 on everything
- Welcome offer
- None listed
- Annual fee
- US$65 a year
Income rule not listed
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Ranked 62. Laurentian Bank Visa Reward Me
Laurentian Bank · Visa
Earned in year one 22,800 pointsThen each year 22,800 points1 point per $1 on groceries, gas and recurring bills, 0.5 point per $1 on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 63. Scotia® Home Hardware PRO Visa* Business Card
Scotiabank · Visa
Earned in year one 15,000 pointsThen each year 0 points1 point per $1 on home improvement
- Welcome offer
- 15,000 points you’d get The full offer. Up to 15,000 points.
- Annual fee
- $0 No annual fee
Income rule not listed
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Read the full review: Scotia® Home Hardware PRO Visa* Business Card
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Ranked 64. Desjardins Flexi Visa
Desjardins · Visa
Earns no rewards Built for a lower interest rate: 10.9% on purchases. See it ranked under Low interest
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 65. RBC Visa Platinum
RBC · Visa Expert Score 6.6 out of 10. Fair
Earns no rewards Built for a lower interest rate: 20.99% on purchases. See it ranked under Low interest
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 66. TD U.S. Dollar Visa Card
TD · Visa Expert Score 6.4 out of 10. Fair
Earns no rewards Built for a lower interest rate: 21.99% on purchases. See it ranked under Low interest
- Annual fee
- US$39 a year
Income rule not listed
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Ranked 67. Netcoins Visa Prepaid Card
Peoples Trust · Visa
Earns no rewards
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 68. No Fee Home Trust Secured Visa Card
Home Trust · Visa Expert Score 7.6 out of 10. Good
Earns no rewards Builds credit with a $500 deposit. See it ranked under Low interest
- Annual fee
- $0 No annual fee
Approval is easier with a deposit
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Ranked 69. Scotiabank Value® Visa Card
Scotiabank · Visa Expert Score 8.4 out of 10. Very good
Earns no rewards Built for a lower interest rate: 13.99% on purchases. See it ranked under Low interest
- Annual fee
- $0 first year Then $29 a year
Needs $12,000 personal income
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Ranked 70. CIBC Select Visa Card
CIBC · Visa Expert Score 8.2 out of 10. Very good
Earns no rewards Built for a lower interest rate: 13.99% on purchases. See it ranked under Low interest
- Annual fee
- $0 first year Then $29 a year
Income rule not listed
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Ranked 71. RBC Visa Classic Low Rate Option
RBC · Visa Expert Score 7.1 out of 10. Good
Earns no rewards Built for a lower interest rate: 12.99% on purchases. See it ranked under Low interest
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $20 a year
Income rule not listed
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Ranked 72. CIBC Classic Visa Card
CIBC · Visa
Earns no rewards Built for a lower interest rate: 21.99% on purchases. See it ranked under Low interest
- Annual fee
- $0 No annual fee
Needs $15,000 household income
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Ranked 73. Shakepay Visa Prepaid Card
Peoples Trust · Visa
Earns no rewards
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 74. RBC Visa Business
RBC · Visa Expert Score 7.6 out of 10. Good
Earns no rewards Built for a lower interest rate: 19.99% on purchases. See it ranked under Low interest
- Annual fee
- $12 a year
Income rule not listed
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Ranked 75. TD Emerald Flex Rate Visa
TD · Visa Expert Score 7.7 out of 10. Good
Earns no rewards Built for a lower interest rate: 8.95% on purchases. See it ranked under Low interest
- Annual fee
- $25 a year
Income rule not listed
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Ranked 76. Laurentian Bank Visa Reduced Rate
Laurentian Bank · Visa Expert Score 6.6 out of 10. Fair
Earns no rewards Built for a lower interest rate: 12.49% on purchases. See it ranked under Low interest
- Annual fee
- $30 a year
Income rule not listed
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Ranked 77. Scotiabank® U.S. Dollar VISA Card
Scotiabank · Visa Expert Score 7.6 out of 10. Good
Earns no rewards Built for a lower interest rate: 19.99% on purchases. See it ranked under Low interest
- Annual fee
- US$35 a year
Needs $12,000 personal income
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Ranked 78. Home Trust Secured Visa Card
Home Trust · Visa Expert Score 7.5 out of 10. Good
Earns no rewards Builds credit with a $500 deposit. See it ranked under Low interest
- Annual fee
- $59 a year
Approval is easier with a deposit
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Ranked 79. Canada Post Prepaid Reloadable Visa Card
Peoples Trust Company · Visa
Earns no rewards
- Annual fee
- $36 a year
Closed to new applicants
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Read the full review: Canada Post Prepaid Reloadable Visa Card
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Ranked 80. We Financial™ Visa Prepaid
Scotiabank · Visa
Earns no rewards
- Annual fee
- $59.40 a year
Closed to new applicants
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Showing 20 of 80 cards
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Your spending a month
Your balance
How we rank cards
The list is math only: one set of rules, worked out for the choices you made.
What Year one and Every year mean
Year one is what a card is worth in its first year at your spending: the rewards it earns, plus any welcome offer your spending would reach, minus the first year’s annual fee.
Every year after leaves out the welcome offer and takes off the full annual fee, so a big offer can’t hide a weak earn rate.
We rank by the one you pick. When two cards come out the same, the one with the higher score goes first. Values are estimates, rounded to the dollar.
What’s in each spending choice
Each choice is an example month of spending, split across the kinds of spending cards reward differently. Pick the one closest to yours.
- Light, $1,000 a month: Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical, $2,500 a month: Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big, $5,000 a month: Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
How we value points
Each points program gets one value per point, taken from the program’s own valuation. Cards in the same program use the same value, so two cards that earn the same points are judged the same way.
- Aeroplan: 2 cents a point
- American Express Membership Rewards: 1.7 cents a point
- BMO Rewards: 0.67 cents a point
- British Airways Club: 2 cents a point
- Cathay Asia Miles: 1.5 cents a point
- CIBC Aventura: 1 cents a point
- Desjardins BONUSDOLLARS: 100 cents a point
- Flying Blue: 1.9 cents a point
- Marriott Bonvoy: 0.8 cents a point
- moi Rewards: 0.8 cents a point
- More Rewards: 0.2 cents a point
- National Bank a la carte Rewards: 0.9 cents a point
- PC Optimum: 0.1 cents a point
- RBC Avion: 1.7 cents a point
- Scene+: 1 cents a point
- TD Rewards: 0.5 cents a point
- Triangle Rewards: 100 cents a point
- United MileagePlus: 1.6 cents a point
- VIPorter: 1.5 cents a point
- WestJet Rewards: 1 cents a point
A card whose points we can’t value yet shows its points and sorts after the cards we can value.
What Low interest adds up
Low interest ranks by what a year of carrying a balance would cost: interest at the card’s purchase rate, plus the annual fee. It assumes the balance stays the same all year and leaves out rewards and welcome offers.
A balance transfer offer shows on the card when it has one, but it doesn’t change the order.
Does pay change the order?
No. The order comes only from the math above. We get paid when you apply through some links, and a bank can pay to show a card in a spot marked Sponsored. Pay never moves a card in the ranked list or changes its score.
Help me choose
Four quick questions, then a list that fits. Your answers only set the list. We don’t keep them.
Show the questions as a form
Help me choose
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Cards by bank
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.
Spot something wrong? We’ll check it with the bank. Suggest a correction